True Market Values for 3rd Gens

If you didnt pay the insurance premium to cover the aftermarket parts they wont care about them usually. Thats why they ask you how much worth of aftermarket parts you have when getting insurance.
Agree with this, also they don't care about your repair and upkeep receipts, that's just normal wear and tear to a car. At least that's what I was told when my son totaled my tricked out , well maintained BMW

with a previous one, I had to find comparable cars since it was an old restored car. maybe you can go that route too, find some 4runners equipped like yours on craigslist, the froums and ebay
 
Paint less dent repair can do wonders, maybe have them estimate repairs?
Change insurance companies when done to a stated value type.
 

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